Minimum Coverage Requirements in Massachusetts
Massachusetts requires minimum liability coverage of 20/40/5 ($20,000 bodily injury per person, $40,000 per accident, $5,000 property damage). Drivers with DUI convictions, license suspensions for serious violations, at-fault accidents while uninsured, or repeated traffic offenses typically face SR-22 filing requirements for 3 years. Personal Injury Protection (PIP) of $8,000 and uninsured motorist coverage are also mandatory in Massachusetts, making the state's minimum coverage package more comprehensive than most.
How Much Does Car Insurance Cost in Massachusetts?
High-risk insurance premiums in Massachusetts depend heavily on violation type, years since the incident, and whether you're still in the SR-22 filing period or transitioning out. A first DUI typically adds $1,200–$2,400 annually to premiums during the SR-22 period, while at-fault accidents while uninsured can increase rates $1,500–$3,000. The good news: rates drop significantly in the first year after SR-22 filing ends if you maintain a clean record.
What Affects Your Rate
- Violation type and severity (DUI adds more than speeding ticket accumulation)
- Time since incident (rates drop 15–25% per clean year after SR-22 ends)
- Whether you're in active SR-22 filing or post-filing rate recovery
- ZIP code and city (Boston averages $280/mo for high-risk, Springfield $220/mo)
- Credit-based insurance score (Massachusetts allows limited credit use in rating)
- Continuous coverage history during and after SR-22 period
Your SR-22 period is ending — you can access standard rates again
Most drivers see significant savings when they transition off SR-22. Compare current rates now.
Get Your Free QuoteCoverage Types
Liability Insurance
Covers injuries and property damage you cause to others. Massachusetts requires 20/40/5 minimums, but a serious accident can exceed these limits in minutes.
Full Coverage
Combines liability, comprehensive, and collision. Mandatory if you have a car loan. Protects your vehicle investment while meeting lender requirements.
SR-22 Insurance
Certificate filed by your insurer proving continuous coverage to the Massachusetts RMV. Required for 3 years after license reinstatement for serious violations.
Uninsured Motorist Coverage
Protects you when hit by a driver with no insurance or insufficient coverage. Massachusetts requires this coverage matching your liability limits.
Comprehensive Coverage
Covers non-collision damage: theft, vandalism, weather, animal strikes. Optional unless financing your vehicle.
Non-Standard Auto Insurance
Specialized coverage from carriers who write high-risk drivers standard companies reject. Higher premiums but provides required coverage during SR-22 filing periods.
